Sparkasse Goslar/Harz SWIFT/BIC code

NOLADE21 – the SWIFT/BIC code of Sparkasse Goslar/Harz

NOLADE21 and NOLADE21CLZ are two ways of writing the same SWIFT/BIC code, and both point to Sparkasse Goslar/Harz in Clausthal-Zellerfeld. Banks worldwide use these codes to direct payments between countries to the right bank. You will need it mainly when dealing with payments that cross a border.

On this page you will find what the code means, when it matters and which other details you need for a transfer to or from Sparkasse Goslar/Harz. Keep in mind that the SWIFT code only identifies the bank, not the account: the account number or IBAN does that part.

Why Sparkasse Goslar/Harz has an 8- and an 11-character code

The structure of a BIC is always the same: a bank code of four letters, two for the country and two for the location. In this case, that core is NOLADE21.

XXX at the end of NOLADE21CLZ does not stand for a missing value or a mistake: it indicates the main office of Sparkasse Goslar/Harz. Some forms ask for 11 characters, in which case you simply add XXX after NOLADE21.

Do not add spaces, dots when you type NOLADE21; the code is always written in one block. Copying the code is safer than typing it by hand, because one wrong letter changes the bank.

Scams that use SWIFT codes

One of the most common tricks goes like this: you receive a request saying that a supplier has a new bank account. The fact that NOLADE21 exists does not mean that the account is genuine.

Verify changed bank details via a different channel like a call to a number from an earlier contract, never via the email that asked for the change. Be suspicious of time pressure, unusual wording or an email address that differs by one letter. If money has already gone to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

People receiving money are targeted too: a classic trick is an overpayment followed by a request to send back the difference. Wait until the money is actually in your account – ask Sparkasse Goslar/Harz if something looks wrong.

Before you send: check the Sparkasse Goslar/Harz code

The most reliable source for the BIC is the recipient’s own bank details: an invoice, a bank statement or their online banking. Check that code with NOLADE21 on this page and ask if anything does not match.

Mistakes in the BIC tend to be costly rather than disastrous. An error in the account number is more serious; check it just as carefully.

An automatic check in your banking app merely confirms that the code exists, not that it is the right account. Where available, a payee name check before sending gives extra certainty. A small test payment is a sensible step for large sums.

Receiving money from abroad at Sparkasse Goslar/Harz

A sender in another country needs several details about your account. In practice that means: your name exactly as it appears on the account, your IBAN or account number, the BIC NOLADE21CLZ and usually your postal address.

Their bank may request the address of your bank. A typo in the IBAN is harder to fix than it looks.

Expect that the incoming amount is smaller than the amount on the sender’s receipt. Intermediary banks may deduct a fee, Sparkasse Goslar/Harz may charge for incoming payments, and if the money is converted, a markup on the rate comes on top. Make clear with the sender who covers the fees, especially for larger amounts.

Which of the 3 codes of Sparkasse Goslar/Harz do you need?

Our directory lists 3 SWIFT/BIC codes for Sparkasse Goslar/Harz, spread over 3 cities. Next to the head office code NOLADE21CLZ, you will find codes for branches, departments or specific services.

If nobody asks you for a branch code, use NOLADE21CLZ or its short form NOLADE21. If you have been given a branch code, use it as it is rather than replacing it for the head office code.

The best way is to take the code directly from the recipient’s statement. Branch codes are sometimes changed or retired when banks reorganise, so do not rely on old paperwork.

SEPA payments and the Sparkasse Goslar/Harz BIC

Since Germany is in SEPA, a euro transfer to Sparkasse Goslar/Harz from within the SEPA area normally requires just an IBAN. Many banks no longer ask for the BIC for these payments or fill it in for you.

You still need NOLADE21CLZ for payments in other currencies or transfers from countries outside SEPA. A few banks and apps also show a field for the BIC out of habit; if so, fill in NOLADE21.

Instant payments in euros have become increasingly available across SEPA. As long as no currency is converted, the transfer tends to be cheap; costs rise once a conversion is involved.

When will the money arrive at Sparkasse Goslar/Harz?

There is no single answer for international payments: many arrive the same day or the next, others take several business days. Transfers sent after the cut-off time or just before a weekend or public holiday usually go out a business day later. Extra checks by one of the banks may also cause a delay, even when all details are correct.

Many banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Each gpi transfer gets a unique reference, the UETR, which your bank can use to see where the money is. Money transfer services usually provide tracking in their app so you can see where the payment is.

If the money does not arrive within the expected time, the sender should start with their own bank. On the receiving end, you can check your statements for a slightly lower amount, since fees may have been deducted.

A note on our data

We gather bank codes from publicly available data and check them from time to time. It is possible that information on this page is no longer current. The number of codes we show are based on our own data, not official figures from Sparkasse Goslar/Harz.

For a payment that matters, always confirm the BIC with the recipient’s bank or the recipient. GoldexPay is independent of Sparkasse Goslar/Harz; we are a comparison site for money transfers. Spotted outdated information? Let us know via our contact form.

Euro (EUR) and conversion costs

Germany pays in the Euro, code EUR. Money sent in a different currency is converted into EUR on its way to Sparkasse Goslar/Harz – and the bank that does it picks the rate. Each conversion costs the amount.

Which bank converts the money matters. Often it is cheaper to send EUR straight away through a transfer service that converts near the mid-market rate rather than letting the receiving bank convert.

Rates for EUR move all the time – some services let you fix a rate in advance. With bigger transfers, even small gap in the rate adds up quickly.

What a transfer from Sparkasse Goslar/Harz abroad really costs

The price of an international transfer is made up of several parts, and the transfer fee is only the most visible one. You pay the fee for the transfer itself, sometimes charges from correspondent banks along the way and, above all, the margin on the exchange rate if the currency changes.

The real cost is often in the rate, not in the fee: the bank converts at a rate with a margin built in. Check their rate with the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

Money transfer services often offer rates closer to the mid-market rate with clearer fees. GoldexPay compares these services next to each other, showing what actually arrives for the same amount sent. Choosing a specialist does not mean leaving Sparkasse Goslar/Harz – you pay the provider from your own account.